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Personal Flood Insurance

Did you know that your standard homeowner's insurance policy does not cover damage from a flood and that only about 3% of all flood claims involve oceanfront property? In addition, about 25% of flood claims involve flood damage in a “low risk” area.

The National Flood Insurance Program (NFIP) is administered by the Federal Emergency Management Agency (FEMA), which works closely with nearly 90 private insurance companies to offer flood insurance to property owners and renters. In order to qualify for flood insurance, a community must join the NFIP and agree to enforce sound floodplain management standards.

The NFIP, a federal program, offers flood insurance, which can be purchased through property and casualty insurance agents. Rates are set and do not differ from company to company or agent to agent. These rates depend on many factors, which include the date and type of construction of your home, along with your building's level of risk.